Business & Commercial Loans
Most Mortgage Brokers focus primarily on Home Loan clientele given that they lack both the exposure and experience in complex Commercial Funding scenarios.
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Business loans may be a Partnership, Limited Company, Incorporated Business or a Discretionary or Unitary Trust, and as such the credit assessment process to determine creditworthiness can be more complex than with residential mortgages.
Commercial funding solutions are becoming increasingly more complicated and industry specific across the myriad of Lenders.
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Representatives at JCM Finance possess both the knowledge and insight necessary in order to add value to your business when applying / negotiating with both existing and potential Funders.
Having a dedicated and experienced Commercial Broker can assist your business with the following:
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To perform market comparisons on existing funding arrangements to make direct comparisons with alternate Lenders in the market to ensure that you are getting value for money
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Analysis of trading history and financial performance in order to improve cash flow management strategies
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Review existing funding arrangements to determine if facilities are most appropriate for the funding need (ie long-term funding facilities being provided for long-term funding needs and vice versa)
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Negotiation of Application Fees & Ongoing Fees with Financiers
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Some Funders specialise in different industries and as such, having an experienced Commercial Broker can ensure that you do not waste your time dealing with financiers who are unlikely to provide a positive outcome
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Completion of Credit Submissions and presentation of transactions to potential Lenders. Having an understanding of what the Banks are looking for can be the difference between a loan being approved or declined
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